I suppose you are correct but there are so many complications in this. So it is the insurer's insistance that I take the shortest route ? StVA said that if I do not take the shortest route I may be in trouble with the police so I suppose there something odd going on, why would be police cause trouble if I de tour if insurers have insured me for 3rd party. What if I loose my way ? can I de-tour to refuel ? what if I have a medical emergency while driving, can I detour to a hospital !!! this is driving me a bit mad.

The possibilities are endless, I could have transported my bike via bikeshuttle in which case it would be in Geneva and I would need to drive to Winterthur ... that's a 3 hr ride without insurance !!!

You are over thinking it. Here an other possible scenario: You pass the test get the Swiss plates (at that point you are fully insured for sure). As soon as you drive onto the road you crash into an other car. Your fault. Your vehicle is totaled loaded on a flat bed. You remove the license plates and walk back to registration office where you hand in the license plates and get the gray card annulled. In that case you would have to pay for one single day of insurance coverage. See, even in the regular way there are scenarios where the insurance company has a huge disadvantage.

__________________
"Okay, I just hope we don't wake up on Mars or something surrounded by millions of little squashy guys."

If you want a piece of mind: Mount the UK-plates and get frontier insurance. This way you can drive any route you wish and can be sure you have the needed 3rd party coverage. You might even be tripple insured through the maybe still valid UK insurance, the frontier insurance, and the lodged insurance quote.

No, here everyone starts of at 100%. I am at 30%, and that took years of no claims.

Tom

+1 for this comment. I have the exact same car, make and model in the UK and in CH. Only difference is the colour and the side the steering wheel is on.


UK insurance, 350 GBP, due to full NCD. Swiss insurance was 1600 CHF. After 4 years claim free I got about 10% reduction.


Kind regards




Ian

By 30%, I mean 70% reduction! (i.e. I pay 30% of full price)

Tom

Similar here - no idea how long my "no claims" is, but I pay 35% of full price.

Which is what I pay in the UK... UK figure is about 35% of full price.


In UK, full NCD is usually based on 9 years or more claim free.


I look forward to cheap insurance here in the next 4 years...


Regards




Ian

I looked it up for Mobiliar and sadly I'm at the lowest level.

Premium level 0 = 35% of "base" premium.

Then it goes up to level 16 = 100%.

... and then it goes up further to level 24 = 250% of base premium

So I guess they took my UK no-claims into account, otherwise it would take 16 years to reach the minimum.

That's not true anymore, at least for some of the new immigrants. Moved with a car to Switzerland, every insurance company we checked offered us the lowest rate (30%) - Basler, Allianz, mobiliar, AXA. That was for a German person that had a driving license for almost 10 years and confirmed that they didn't make any insurance claims in last few years.

So how can I check what my Premium level is ? There is nothing mentioned in the invoice or the quote.